KBHS Home Loans

What KBHS Home Loans does

KBHS Home Loans, LLC is a privately-held Delaware limited liability company operating as the wholly-owned mortgage lending affiliate of KB Home (NYSE: KBH). Founded in 2016 and headquartered in Irving, TX, the company originates mortgage loans exclusively for purchasers of KB Home new construction properties, operating 30+ branch offices across 10 states (Arizona, California, Colorado, Florida, Georgia, Idaho, Nevada, North Carolina, South Carolina, and Texas) under NMLS #1542802. Its loan product portfolio spans Conventional, FHA, VA, Jumbo (up to $1.5M), and USDA programs, with dedicated positioning for first-time homebuyers, veterans, and luxury segment borrowers.

The company's underlying technology stack includes a Digital Mortgage App for sub-two-minute online applications and document management, Hybrid eClose electronic closing (90% electronic document signing with remote notary options), and integration with automated underwriting systems (AUS) leveraging AI/ML for pre-approval decisions. These digital capabilities complement a primarily sales-led go-to-market model emphasizing loan officer relationships embedded in KB Home sales processes and communities. The company targets a 10-day clear-to-close timeline with same-day or within-hours pre-approvals, and offers Builder 90-day rate lock programs aligned to construction timelines.

Revenue is generated through transaction-based origination fees and secondary market interest rate spreads on closed loans, with no disclosed subscription or recurring revenue component. The business model is structurally captive to KB Home's new construction order pipeline across Western, Southwest, Mountain West, Southeast, and South US markets, with a geographic restriction excluding New York. The company is led by President Louie Colatriano, who joined from Stearns Lending and Bank of America's National Builder Division, reflecting deep builder-lending operational expertise.

Name

KBHS Home Loans

Legal name

KBHS Home Loans, LLC

Website

https://kbhshomeloans.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSALAHAA

New Construction-to-Perm (Single-Family Owner-Occupied)

Financial & Insurance/Mortgage & Housing Finance/Construction & Renovation Financing (Construction-to-Perm)

SECONDARYFSALAAAG

First-Time Homebuyer (FTHB) Mortgage Origination

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSALAAAI

Government-Insured Mortgage Origination (FHA/VA/USDA)

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

SECONDARYFSACACAB

Mortgage-Backed Securities (RMBS/CMBS)

Financial & Insurance/Capital Markets & Securities/Securitization & Structured Finance

Keywords

• Residential mortgage lending
• New construction financing
• Home purchase loans
• FHA home loans
• VA mortgage loans

Headquarters

HQ city

Irving

HQ country

United States

HQ region

North America

Offices21 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Mortgage Origination: KBHS Home Loans generates revenue through originating mortgages for KB Home buyers, earning origination fees and interest rate spreads on closed loans. The company specializes in construction-permanent loans for new home builds.
2. Interest Income: Revenue earned through the interest spread on mortgage loans originated and held for servicing or sold to secondary markets. Loans include Conventional, FHA, VA, Jumbo, and USDA products.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

KBHS Home Loans is a residential mortgage originator that provides home purchase financing for buyers of new construction built by its parent company, KB Home. It offers Conventional, FHA, VA, Jumbo, and USDA loan products through loan officers at 30+ branches across 10 states, supplemented by a digital mortgage application and Hybrid eClose remote signing capability.

Product overview

KBHS Home Loans is a mortgage lending company specializing in financing new KB homes, offering a portfolio of loan products including Conventional, FHA, VA, Jumbo, and USDA loans. The company provides both traditional customer service through a network of loan officers across 30+ nationwide locations and a streamlined digital mortgage experience via their Digital Mortgage platform. The core product offering consists of various government-backed and conventional loan programs, supported by digital tools for application processing, document upload, and electronic closing (Hybrid eClose).

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Mortgage Loans Standard conforming home purchase loans for buyers of KB Home new construction properties, underwritten to agency guidelines.
• FHA Loans Federal Housing Administration-insured home loans offering lower down payment options for eligible KB Home new construction buyers.
• VA Loans U.S. Department of Veterans Affairs-guaranteed mortgage loans available to eligible military borrowers purchasing KB Home new construction.
• Jumbo Loans Non-conforming high-balance mortgage financing for luxury KB Home new construction purchases exceeding conforming loan limits.
• USDA Loans U.S. Department of Agriculture Rural Development loan program for eligible buyers of KB Home new construction in designated rural areas.
• Digital Mortgage Application Online mortgage application platform that allows buyers to start and complete the loan application for KB Home purchases through a digital interface.
• Hybrid eClose Remote online notarization and electronic closing service enabling KB Home buyers to sign portions of the mortgage closing documents electronically.

Quantifiable outcome

• 90% of closing documents can be signed electronically with Hybrid eClose process
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• KB HomecoreStrategic or Co-development PartnerKBHS Home Loans is a wholly-owned mortgage lending affiliate of KB Home (NYSE: KBH). The company handles all mortgage origination and fulfillment services for KB Home buyers. KB Home and KBHS share common ownership, creating an integrated home building and financing experience for KB Home customers. KBHS loan officers work closely with KB Home sales teams and understand the unique requirements of KB Home communities and construction processes.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/KBHSHomeLoans
• Facebookfacebook.com/KBHS-Home-Loans-NMLS-1542802-460886200946645
• LinkedInlinkedin.com/company/kbhs-home-loans

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KBHS Home Loans